Finding the Funds for Home Modifications

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If emptying a savings account or cashing in an insurance policy seem to be the only financial options for changing an ordinary residence into a power chair accessible home, think again.

Contrary to popular belief, there are several low-cost and no-cost resources available to the disabled and the elderly who need to make home modifications for accessibility. In fact, the U.S. government is required by law to provide financial assistance for this very purpose.

And, while some programs have age, disability, income or residential restrictions, many don't require the money to be paid back at all.

Funding Accessible Home Modifications

Adapting a home to suit accessibility needs ccan be a relatively simple task (grab bars in the bathroom or a portable ramp over steps), or it may require professional assistance (setting up a stair lift or widening doorways for power wheelchair access). In either case, the cost to adapt a home for safety might be covered by outside sources, such as those listed below.

State-Financed Grants and Low-Interest Loans
Free grants or low-interest federal loans for eliminating mobility barriers in the homeContact: H.U.D., or local agencies for the aging and disabled

Medicare and Medicaid1
Medicare Part B may cover the costs for in-home mobility equipment (power wheelchairs, walkers).
Medicaid's state-based waivers may pay for renovations (handrails, grab bars, etc)Contact: State health and human services, or local agencies

Government Grants for the Elderly and Disabled
The Department of Veterans Affairs provides grants based on nature and severity of the disability.
The USDA offers need-based grants to senior citizens who cannot afford a loanContact: Federal agencies for details (income, disability and residential requirements)

Non-Profit Organizations and Foundation Grants
Provides money, materials and/or volunteers to make home modificationsContact: National and/or local chapters of non-profit foundations